Where do I file a credit card complaint?

[midnight]

I'm absolutely furious with my bank. It's a long story, but basically they are charging me late fee for a payment I sent that should have arrived in plenty of time. I think they are running a scam and holding payments that arrive early and say they don't arrive in time. Is there a governemnt agency I can contact to make a complaint?

[jeffrey]

You want to contact the <A HREF="http://www.occ.treas.gov/customer.htm">Office of the Comptroller of the Currency (OCC)</A>

This is information taken from their site:

Filing a Formal Complaint

There are two ways you can file a formal written complaint with the OCC about a national bank or its operating subsidiary. You may mail or fax a letter - no special forms are required - to the Customer Assistance Group at the following:

Customer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
FAX: 713-336-4301

Your letter or fax should identify the national bank or subsidiary about which you have the complaint by providing the bank's (or subsidiary's) full name and address. Additionally, the following information is required:

**Your complete name and mailing address as used by the bank

**Your daytime telephone number

**Your account number(s)

**A detailed explanation of the complaint or inquiry and description of how you would like the matter resolved

**The signature of the account holder, legal guardian, Power of Attorney, or other person authorized to act for the account holder. If you are not the account holder, you must include documentation indicating your authority

**Documentation supporting your position

Contacting a Customer Assistance Specialist

You can reach one of the OCC Customer Assistance Specialists by calling our toll free number, 1-800-613-6743, Monday - Thursday, 9:00a.m. to 4:00p.m. Central Time or sending an email to <A HREF="mailto:Customer.Assistance@occ.treas.gov">Cu stomer.Assistance@occ.treas.gov</A>.

Please be reminded that e-mail is not necessarily secure against interception. Please do not include sensitive information of a personal or confidential nature - such as your bank account, credit card, or social security number